SBA Loans for STEMTREE Franchises
Who actually funds STEMTREE SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2023.
Top lenders funding STEMTREE SBA loans
Ranked by number of STEMTREE 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 2 | $350K | $175K |
| 2 | Lake Michigan CU | 1 | $297K | $297K |
| 2 | Telhio Credit Union Inc | 1 | $150K | $150K |
| 2 | United Midwest Savings Bank National Association | 1 | $120K | $120K |
| 2 | Wilmington Savings Fund Society FSB | 1 | $303K | $303K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2023. Shows lenders with at least one approved STEMTREE loan in this period, ranked by loan count.
STEMTREE SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| GA | 2 | $350K | $175K |
| MD | 1 | $303K | $303K |
| FL | 1 | $297K | $297K |
| OH | 1 | $150K | $150K |
| IN | 1 | $120K | $120K |
STEMTREE SBA loans by year
How STEMTREE SBA loans have performed
Outcomes for every funded STEMTREE 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
SBA lender notes for STEMTREEfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Rider to Lease Agreement and the Collateral Assignment of Lease may not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for STEMTREE franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your STEMTREE deal to a lender currently funding this brand.
Financing a STEMTREE franchise?
We know which lenders are actively funding STEMTREE deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).